How to Make the BEST Financial Decision Every. Single. Time.



Today I’m going to walk you through the EXACT step by step process that will ensure you make the BEST financial decisions, large or small, every single time.

Make sure you read all the way to the end for a special Bonus Guide that will teach you EXACTLY How my wife and I activated God’s Promises of Increase and gave over $80,000 by the time we were 29.

Ready? Here we go.

Now you’ve heard this scripture before, but don’t tune me out. Stay with me here because I guarantee you haven’t understood the full meaning of it until now.

Listen to what Jesus says here:

Matthew 6:24 (AMP)  No one can serve two masters; for either he will hate the one and love the other, or he will stand by and be devoted to the one, and despise and be against the other. You cannot serve God and mammon (deceitful riches, money, possessions, or whatever is trusted in).

That was Jesus talking. Notice the directness of his statement: “No one can serve two masters.”

This “serving two masters” is not a concept, or a theory, or an idea. It’s a law. It is as definite as gravity.

I researched the main words in this scripture to get their literal meanings in the Greek text:

Serve: Submit to, yield to, take orders from.

Masters: To whom a person belongs, who has the power of deciding, he who has control of a person.

Despise: Think little of.

Mammon: Treasure, or riches personified and opposed to God.

“Riches personified and opposed to God.” Money taking on human form.  Money, as a person, opposing God.  (That definition was a kick in the face!)

Now re-read this scripture broken down:

“No one can take orders from two masters. He will be devoted to one master, giving him the power over his decisions, and he will think little of the other. You cannot take orders from both God AND mammon. For mammon’s ways are opposed to God’s ways”

For the rest of this post, I want you to picture “mammon” as dollar bills shaped into human form. When I use the word mammon, literally picture a “Man shaped out of money.” This will help you.

Hi, I'm Mammon.

Hi, I’m Mammon.

Let me introduce you to mammon. He is the spirit that rests on money. You’ve met him before. He runs with a motley crew:

  • Poverty
  • Greed
  • Pride

We know them all well.  The four of them are always together, where there is one, the others are close behind.

These four are a vocal bunch. They are loud and opinionated, they are persistent and forceful, in fact they are downright bullies. And just like bullies at school, they want to pressure you into making a bad decision.

Mammon: He’s the ring leader, he tells you to put your trust in him, he persuades you that new cars will make you happy, that if only you made just a little bit more money at work, then things will be great, then your life will be better.

Poverty: His weapon of choice is fear. He tells you to buy the “cheaper” gift. He negotiates down how much you give  at Church. He tells you that you’ll run out of money if you’re TOO generous.

Greed: Just a little more money and you’ll be happy. The more you have, the happier you are. Keep working away, keep neglecting time with your wife and kids, they will understand if it means more wealth. You don’t have time to go the park with them, you need to make more money for you and your family.

Pride: “I have to get rich. I know if I just work harder and work longer hours, then I will make myself wealthy. After all, I’m a self-made man!” Pride will make you forget that God gives you the power to get wealth, that it is God and His blessing that makes a person rich. Pride makes you think it’s all up to you alone, and that you got there out of your own efforts. (Deuteronomy 8:17-18)

Decision Time:

Whenever you have a decision to make, any decision, you have a choice on who you are going to listen to and obey.

Your choices: God, OR Mammon.

They oppose each other, they are opposites, so you have to pick one.

I know what you’re thinking, “Well I pick God of course, I’m a Christian, I’ll never listen to mammon, that’s easy…” Thanks for wasting my time Travis.

Wait, I bet you know mammon’s voice better than you think, in fact, you’ve had conversations with him this week.

You see mammon is always talking, he never shuts up.

He spoke to you when you started to put an extra offering in the bucket at Church.

You argued with him when you thought about buying the more expensive gift for your spouse last Christmas, and then you settled for the cheaper one.

You listened to him when you moved into that “budget friendly,” low-end apartment complex because it “saved” you $100 a month.

You reasoned with him when you bought the off-brand Oreos, even though they aren’t nearly as good!

Ever tried to justify not tithing? Ya, that was him too.

Let me tell you mammon’s dirty little secret:

Mammon oftens disguises his voice as “wisdom.”

This shouldn’t surprise you. Satan has been twisting God’s words since the Garden of Eden.

How to Know the Difference

So how do you know when you are listening to God’s Wisdom or if it’s mammon’s “wisdom?”

You have to know the nature of God. Because when you know His nature, you will know what is opposite of it.

And if it’s the opposite of God’s nature, then you know it is mammon running his mouth.

It’s actually quite easy to recognize the difference between God’s ways and mammon’s ways. Deep down you always know, but acting on it is the part we all need to get better at.

Here is how they sound when giving you instructions:

God: “Give that young man in front of you $20”

Mammon: “Hmm better just give him $5. Our bills are all due on Friday and things are really tight right now.”

God: “THIS one right here, this is the car I have picked out for you, it has all the bells and whistles you wanted, it’s a great vehicle, it’s beautiful and it will last you for years.”

Mammon: “Ooo here’s the same car but less expensive! It doesn’t have the sun roof, power windows or bluetooth player like I wanted, but it will do just fine. Plus it will save me $25 a month! I gotta be wise when it comes to saving money!”

God is generous and giving.

Mammon is stingy, discourages giving, and fears that you’ll run out of supply.

God wants the BEST for you, He delights in your prosperity.

Mammon wants to hold you back, while making you think you have the BEST. He delights in your false prosperity.

Sidebar: “False prosperity” is one of mammon’s most successful tricks.  You and your wife both have brand new cars, your house is giant, she has a big diamond on her finger, new Louis Vuitton bag…ALL FINANCED. None of it is yours, it’s the bank’s. And then you walk around telling the world of how God has blessed you and how prosperous He has made you.

You got tricked. Your budget is now maxed out, if even one big financial disaster strikes you are wiped out, you’re not building a savings account, if an opportunity comes up for a mission trip you don’t have the money to pay for it, you’re stuck, you are in bondage now to “things”…and you think you’re prosperous! #tricked #youareservanttothelender #falseprosperity

How To Make the BEST Financial Decision:

Seek God FIRST in every single decision. Large or small. (Matthew 6:33, Proverbs 3:6)

Then do what He tells you to do!

If you are having a hard time distinguishing the line here, run every decision through these filters:

  • Am I being generous, or stingy here?
  • Am I making this decision based on the fear that I will go broke?
  • If I truly believe that God is my Source, would I still make this same decision?
  • Did I seek God’s will in this, or am I doing what makes the most “sense?”
  • What two Scriptures back this up?

When God is speaking to you, you know it.

There is no disputing it, deep down, you know it’s God.

His instructions don’t always line up with the world’s “wisdom.” He may have you give a crazy amount as a gift, He may have you sell your house seemingly out of nowhere, He may have you pay someone’s tuition, even if it wipes out your savings account.  It doesn’t matter, because when you obey His Voice, the blessings will come like never before.

When you listen to God in your financial decisions  You will be MORE than taken care of. Blessings will come upon you and overtake you, and you will have His supernatural Peace about your life.

When you listen to Mammon it results in: Uneasiness, worry or doubt if you made the right choice, there is usually a “reasoning” or justification before you make your choice. You lean toward the stingy, or less generous side of things. Blessings don’t come, mediocrity comes.

You will have an opportunity to test this out today. Probably within just a few hours, something will come along and you’ll make a decision.

Make sure you make the BEST one.

Bonus Lesson That Will  Guide You Along:


If you really want to live a full life of increase and abundance, the spirit of Mammon has to be broken in your life.

I have a Bonus Lesson for you that will show you EXACTLY how to break that spirit and live free from financial worry.

To get this quick teaching (and video!) Click Here: How I gave $80,000 by the time I was 29.

About the Author: Travis Peters is the founder of FaithLifeMoney, which has helped hundreds Christians live a life of financial Increase by showing  them step by step how to walk in the abundance that God has given them. He is also the creator of the Increase Academy, a four-week course that teaches Christians how to take their life to the next level, get ahead of their finances, and prepare for the greatest life imaginable.

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